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Income statement, Croghan Bancshares Inc, fiscal years, most recent first
2025
2024
2023
2022
2021
2020
Interest income
59.9
53.3
47.5
39.8
39.8
38.6
Total interest expense
19.3
17.9
11.4
2.1
1.8
2.7
Net interest income
40.6
35.4
36.1
37.7
38.0
35.9
Loan loss provision
0.6
0
0.1
0
0.8
2.5
Net interest income after loan loss provision
40.0
35.4
36.0
37.7
37.2
33.4
Non-interest income
7.4
7.3
5.8
7.0
8.3
8.3
Non-interest expense
−32.3
−30.4
−28.8
−27.7
−27.0
−25.1
Net income before taxes
15.1
12.4
13.0
17.0
18.5
16.6
Provision for taxes
3.0
2.3
2.2
3.0
3.3
2.9
Minority interest & equity in affiliates
–
–
–
–
–
–
Other
0
0
0
0
0
0
Net income before extraordinary items
12.1
10.1
10.8
14.0
15.2
13.7
Extraordinary items
–
–
–
–
–
–
Net income
12.1
10.1
10.8
14.0
15.2
13.7
Basic weighted average shares (mil)
2.0
2.1
2.1
2.2
2.2
2.2
Diluted weighted average shares (mil)
2.0
2.1
2.1
2.2
2.2
2.2
Basic EPS excluding extraordinary items
5.94
4.80
5.05
6.41
6.87
6.12
Basic EPS, normalized
5.94
4.80
5.05
6.41
6.87
6.12
Balance sheet in millions of USD, fiscal years
Balance sheet, Croghan Bancshares Inc, fiscal years, most recent first
2025
2024
2023
2022
2021
2020
Assets
Cash & due from banks
12.9
16.3
20.0
18.6
19.6
12.8
Other earning assets
412
337
319
339
391
254
Net loans
821
726
704
691
634
702
Property, plant & equipment
9.8
10.2
10.7
10.5
10.9
10.1
Goodwill
22.4
22.4
22.4
22.4
22.4
22.4
Intangibles
–
–
0
0.1
0.2
0.5
Long-term investments
–
–
–
–
–
–
Other long-term assets
–
–
–
–
–
−1.0
Other assets
36.5
38.4
41.5
44.6
34.3
27.4
Total assets
1,314
1,151
1,118
1,126
1,112
1,028
Liabilities
Accounts payable
–
–
–
–
–
–
Payable/accrued
–
–
–
–
–
–
Accrued expenses
0.1
0.2
0.3
0.4
0.5
–
Total deposits
974
944
887
909
909
815
Other bearing liabilities
145
25.0
58.5
60.5
17.5
17.5
Short-term borrowings
50.1
50.0
46.5
40.2
39.5
53.5
Current portion of long-term debt
–
–
–
–
–
–
Long-term debt
0
0
0
0
0
0
Minority interest
–
–
–
–
–
–
Other liabilities
7.9
7.2
5.9
6.6
6.1
6.7
Total liabilities
1,177
1,027
998
1,017
972
893
Shareholders' equity
Preferred stock
–
–
–
–
–
–
Common stock
31.3
31.3
31.3
31.3
31.3
31.3
Additional paid-in capital
13.4
13.3
13.2
13.1
13.1
13.1
Retained earnings (accumulated deficit)
134
127
122
116
107
96.6
Treasury stock
−22.7
−19.6
−18.1
−15.4
−12.9
−10.7
Other equity
−18.6
−27.6
−28.5
−36.2
1.5
5.5
Total equity
138
124
120
109
140
136
Total liabilities & shareholders' equity
1,314
1,151
1,118
1,126
1,112
1,028
Cash flow statement in millions of USD, fiscal years
Cash flow statement, Croghan Bancshares Inc, fiscal years, most recent first
2025
2024
2023
2022
2021
2020
Operating activities
Net income
12.1
10.1
10.8
14.0
15.2
13.7
Depreciation, depletion & amortization
1.1
1.1
1.1
1.2
1.3
1.3
Deferred taxes
0
0
−0.4
0.3
0.2
−0.5
Non-cash items
0
1.1
1.9
2.5
1.8
0.5
Changes in working capital
0.4
1.4
1.3
−0.2
−0.1
−0.1
Cash from operations
13.7
13.6
14.7
17.8
18.4
15.0
Investing activities
Capital expenditures
−0.7
−0.6
−1.3
−0.7
−1.3
−0.7
Other investing cash flows
−161
−33.8
28.1
−78.4
−76.5
−135
Cash from investing
−161
−34.3
26.8
−79.1
−77.8
−136
Financing activities
Financing cash flow items
29.6
26.9
−58.4
1.0
79.8
139
Cash dividends paid
−4.8
−4.8
−4.9
−4.8
−4.7
−4.4
Issuance (retirement) of debt, net
–
–
–
–
–
–
Other financing cash flows
117
−1.7
38.1
40.3
−2.4
−1.4
Cash from financing
141
20.3
−25.2
36.5
72.7
133
Foreign exchange effects
–
–
–
–
–
–
Net change in cash
−6.2
−0.4
16.3
−24.8
13.3
11.8
Free cash flow
13.0
13.1
13.5
17.2
17.1
14.3
Disclaimer
The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.
This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.
QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.
Live quote provided by TradingView. Report data updated Nov 2, 2026 after market close.